People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

What causes a coin to suddenly spike 100%+ in value in a matter of hours? I mean how does demand collectively sky rocket - seems unlikely that so many people would have a coordinated buy?

Thoughts on the new Chase Freedom Flex?

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

How many think marketcap of cryptos will reach 700 billion or more before year end?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Anyone know of a good cross-border US/UK financial fiduciary?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

What are your thoughts on Baidu as an investment?

I'm relatively new to stock market investments and have tried to build a balanced portfolio for the long term. Should I hold the stocks for long term or does it make sense to book profits in between ?

Hi Fishes,
how's the area around Manesar toll plaza. I see there are multiple societies available in that area including emaar palm, vatika, dlf, etc. Just wanted to get an idea on how's the area and how much property appreciation you guys expect in that area for in next 5 years?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

FL tax questions: 1.) last year I had 4 longer w2 gigs. Should I get tax preparer or do myself? Seems easy enough but im new to this so 🤷🏻‍♀️. 2.) do you write-off travel/lodging for out of city gigs?

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Does Amex welcome bonus jail apply to all cards like platinum? Also any way to get out of it(or at least know you are denied bonus before you get a 5/24 chase hit on you)

If you were to invest ₹10L today for a period of say next 5 years. How would you do it?

Target is to have 15L by end of 5th year and NO investment can be made into real estate.

It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

How hard is the path from lit to GC?

Welcome to the 90 Day Fiance Fanatics bowl! Here is our official first thread focusing on the latest episode: The Other Way S2E9 Crossing the Line.

-Were you impressed with Ariela’s Ethiopian hospital tour?
-Should Deavan leave Jihoon and go back to the US?
-Are Armando and Kenneth the cutest couple in 90 Day history?
-Should Melyza forgive Tim for his infidelity?
-Is Brittany being disrespectful by insisting on her American customs?

Happy Veterans Day to all who have served, to all who are serving and their families. There is no greater sacrifice in that of serving your country. God bless the men and women of the United States military #GodAndCountry.

Is 13 lpa fixed a good offer for 1.5 yoe ?

Also how can i negotiate when hr is not willing and I dont have counter offer?

Hi Fishes,

I have been offered 37.5 lacs ( fixed ) plus 20% variable for the associate director level . My current fixed CTC is 29 Lacs .

Can you please let me know if this a good offer or I can get more?

Please also let me know what is the salary range for associate directors?

Can anyone explain 5-1, 5-2 ,5-3.... 4 band in NielsenIQ ?

Help me decide between 3 offers (compensation not a factor):
Accenture: Technology Development Program
Deloitte: Risk and Financial Advisory Internal Audit
EY: Technology Risk Consulting

I like the location of Deloitte/EY more but the Accenture job seems more fun (actual consulting vs more IT audit). But, Accenture is not in the city I want. 

I came across this company called 'My Consultation Offer' which takes expertise in training you for the above and have a 85% success rate. The package for interview prep, Bootcamp and case study prep is $3497. Should I take it? Don't wanna spend ages on youtube looking at wrong content and wasting time. I am currently final year student at University of Bristol, applying for management consulting roles at MBB and beyond. I don't have any experience of case study interviews and Cover letter prep

What books should I read about being a great manager?

Anyone else scroll through LinkedIn and constantly feel behind in their career? Everyone I know is exiting from MBB to VC/PE and I’m still making peanuts at Big 4. How do you deal with knowing you’re mediocre/less sharp?

I feel heartbroken with Katie being eliminated. She was the only one I liked 😩🤦🏽‍♀️

Rename each agency as a trendy artisanal brand with the “Blank & Blank” format.

URGENT
Hi everyone! My brother recently moved to Pune and is looking for a place to stay. Actually he needs a place to stay for just 1 month. And no PG is providing him a room for 1 month. If anyone knows any such PG or guest house or anything that allows 1 month stay please let me know.
I'll be very thankful to you.

Got a call for spm (l6) at Amazon. Any decent prep guides? Also what TC should I be targeting with 11+ yoe (5 relevant) and t1 acads?

Current tc 45 + equity
Offer of 60 + equity

Like to enable dm

Anyone have any recommendations for a good exterior car wash?

Film industry fishies! After covid, what is the average of projects your company handles each year?

Senior manager and associate partner at MBBKOW how comfortable are you in dubai? Can you afford a nice house, car and generally (within reason) not worry about money?

Assume wife works as manager in big 4 consulting

Can someone explain high yield savings accounts to me? Why doesn’t everyone use them? Should I switch banks so that my HYSA is the same as my checking account?

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

What are your thoughts on Baidu as an investment?

Combined net take-home £8000/month. Wanting to rent for £2300, with additional £300-400 in bills. Don’t want to buy as I will not be here for too long and fear brexit. Is that stretched?

Can someone explain to me how it monetarily helps me to split my home mortgage into half and pay half on 1st and half on the 15th? So if my payment is 4K, I pay 2k July 1 and 2k July 15

Any tips on how to use up gift cards with <$3 on them? I know some stores won’t accept as a payment method. Don’t live in a state that lets you cash out under a certain amount.

Any stores / websites you’ve had luck with? Hate to throw out free money, even if it’s a few bucks

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

Is there a calculator that I can put in all my investments and see how it works out in 50 years? I know each brokerage has their own projection thing, but just wondering if there are any other tools where i could combine everything?

Investing newbie here trying to invest my hsa. Debating if I should do 100% on something like viix for simplicity or if I should diversify? If diversifying, what’s a recommended approach? Perhaps 2-4 funds? Many thanks for the help.

What is the best way to get euros out without fees and at the actual exchange rate? Is it best to use an ATM at the destination or is there a better alternative?

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

GME and AMC are not doing well today 😂

Considering adding a REIT index to my lazy portfolio allocation for my 401K and Roth Accounts. Thoughts?

Is sending kids to private school worth it? Talking about 25k-30k per year. Living inside city where public school are average. Thinking of sending kid to international school with bilingual program (family speaks multiple languages)…. The money adds up a lot over a lifetime. Especially if we have more than 1 kid.